Our policy is to allow you to withdraw funds
deposited in your account on the first business day after the day we
receive your deposit.
Electronic direct deposits will be available on the day we receive
the deposit.Once they
are available, you can withdraw the funds in cash and we will use
the funds to pay checks that you have written.

For determining the availability of your deposits,
every day is a business day, except Saturdays, Sundays, and federal
holidays.If you make a
deposit before 5:00 p.m. on Monday through Thursday and before 6:00
p.m. on Fridays (5:30 p.m. Asotin office), we will consider that day
to be the day of your deposit.However, if you make a deposit after closing or on a day we
are not open, we will consider that the deposit was made on the next
business day we are open.

Depending on the type of check that you deposit,
funds may not be available until the second business day after the
day of your deposit.
However, the first $100 of your deposit will be available on the
first business day after the day of your deposit.

LONGER DELAYS
MAY APPLY

Funds you
deposit by check may be delayed for a longer period under the
following circumstances:

·We believe a check you deposit will not be paid.

·You deposit checks totaling more than $5,000 on any one day.

·You redeposit a check that has been returned unpaid.

·You have overdrawn your account repeatedly in the last six months.

·There is an emergency, such as failure of computer or communications
equipment.

We will notify you if we delay your ability to
withdraw funds for any of these reasons, and we will tell you when
the funds will be available.They will generally be available no later than the seventh
business day after the day of your deposit.

SPECIAL RULES
FOR NEW ACCOUNTS

If you are a new customer, the following special
rules will apply during the first 30 days your account is open.

Funds from
electronic direct deposits to your account will be available on the
day we receive the deposit.Funds from deposits of cash, wire transfers, and the first
$5,000 of a day’s total deposits of cashier’s, certified, teller’s,
traveler’s, and federal, state and local government checks will be
available on the first business day after the day of your deposit if
the deposit meets certain conditions.For example, the checks must be payable to you.The excess over $5,000 will be available on the seventh
business day after the day of your deposit.If your deposit of these checks (other than a U.S. Treasury
check) is not made in person to one of our employees, the first
$5,000 will not be available until the second business day after the
day of your deposit

Funds from all other check deposits will
be available on the tenth business day after the day of your
deposit.